Home / Dz.U. 2011 nr 199 poz. 1175
Law of August 19, 2011, on payment services
Ustawa z dnia 19 sierpnia 2011 r. o usługach płatniczych
Type
Law (Ustawa)
Status
act has a consolidated text (akt posiada tekst jednolity)
Announced
2011-08-19
Entry into force
2011-10-24
Texts
The consolidated text (tekst ujednolicony) is unofficial; only the signed PDFs from Dziennik Ustaw / Monitor Polski are legally authentic.
Keywords
Financial Economysupervisionreportingelectronic payment instrumenteconomic activitycurrencypaying agenciesservicesaccountingbankiprawo bankoweinterest rate
Related acts
Acts Declared Repealed (3)
- Regulation of the Minister of Finance of 21 August 2003 on cross-border transfers · 2011-10-24
- Regulation of the Minister of Finance of 24 September 2002 on the designation of arbitration courts competent to hear cases related to the issuance and use of electronic payment instruments · 2011-10-24
- Regulation of the Council of Ministers of 29 July 2003 on the determination of the methods of notifying the National Bank of Poland, the Securities and Exchange Commission, and entities operating payment systems or securities settlement systems · 2011-10-24
Implementing Regulations (42)
- Regulation of the Minister of Finance of December 22, 2023 on the transmission of information to the National Bank of Poland by payment service providers and other obligated entities
- Regulation of the Minister of Finance of December 22, 2022, on the transmission of information to the National Bank of Poland by settlement agents, issuers of payment instruments and issuers of electronic money
- Regulation of the Minister of Finance, Funds and Regional Policy of February 8, 2021, amending the regulation on identifiers and settlement numbers assigned to certain payment service providers and unique identifiers assigned to payment accounts maintained by these providers
- Regulation of the Minister of Finance, Funds and Regional Policy of October 22, 2021 on the detailed method and procedure for carrying out control activities in national payment institutions
- Regulation of the Prime Minister of April 23, 2020, on payments to cover the costs of supervision over electronic money institutions, in the scope of activities related to the issuance of electronic money, and fees for certain activities of the Financial Supervision Authority
- Regulation of the Prime Minister of April 23, 2020, on payments to cover the costs of supervision over payment institutions and fees for certain activities of the Financial Supervision Authority
- Regulation of the Minister of Finance, Funds and Regional Policy of November 13, 2020, on the detailed scope of information and the type and form of documents attached to the application for a license to operate as a national payment institution
- Regulation of the Minister of Finance of December 2, 2019, on quarterly and additional annual financial and statistical reports of a national payment institution
- Regulation of the President of the Council of Ministers of 28 October 2019 on payments to cover the costs of supervision over small payment institutions
- Regulation of the Chairman of the Council of Ministers of 23 September 2019 on payments to cover the costs of supervision over providers exclusively rendering the service of access to account information
- Regulation of the Minister of Finance of 21 August 2019 on documents to be attached to the notification of intent to directly or indirectly acquire or take over shares or stakes in a national payment institution
- Regulation of the Minister of Finance of 31 July 2019 on the minimum insurance guarantee sum, bank guarantee sum, insurance guarantee sum or the value of other security for user claims referred to in Article 61b(1) of the Payment Services Act
- Regulation of the Minister of Finance of 31 July 2019 on the minimum insurance guarantee sum, bank guarantee sum, insurance guarantee sum or the value of other security for user claims referred to in Article 117a(3) of the Payment Services Act
- Regulation of the Chairman of the Council of Ministers of August 10, 2018, on payments to cover the costs of supervision over payment institutions and fees for certain activities of the Financial Supervision Authority
- Regulation of the Minister of Finance of June 6, 2018, on the method of calculating the amount referred to in Article 76(4)(2) of the Payment Services Act
- Regulation of the Minister of Development and Finance of May 10, 2017 on the functioning of the payment scheme
- Regulation of the Minister of Development and Finance of December 27, 2017 amending the regulation on the detailed scope and manner of transmitting information to the National Bank of Poland by settlement agents, issuers of payment instruments and issuers of electronic money
- Regulation of the Minister of Development and Finance of 14 July 2017 on the list of representative services related to a payment account
- Regulation of the Minister of Development and Finance of July 5, 2017, on identifiers and settlement numbers assigned to certain payment service providers and unique identifiers assigned to payment accounts kept by these providers
- Regulation of the Minister of Finance of March 6, 2014, on documents attached to notifications of intent to acquire or take over shares or stakes in a domestic electronic money institution
- Regulation of the Minister of Finance of 14 February 2014 on the categories of assets and the maximum portion of monetary funds invested by domestic electronic money institutions
- Regulation of the Minister of Finance of November 26, 2014, on the detailed scope of information and the type and form of documents attached to the application for a license to operate as a national payment institution
- Regulation of the Prime Minister of December 8, 2014, on payments to cover the costs of supervision over payment institutions and fees for certain activities of the Financial Supervision Authority
- Regulation of the Chairman of the Council of Ministers of October 28, 2014, on payments to cover the costs of supervision over electronic money institutions, in the scope of activities related to the issuance of electronic money, and fees for certain activities of the Financial Supervision Authority
- Regulation of the Minister of Finance of October 24, 2014, on quarterly and additional annual financial and statistical reports of a national payment institution
- Regulation of the Minister of Finance of October 15, 2014, on the detailed scope and method of transmitting information to the National Bank of Poland by settlement agents, issuers of payment instruments, and issuers of electronic money
- Regulation of the Minister of Finance of 24 September 2014 on the mandatory insurance of payment services offices required in connection with the execution of payment transactions resulting from a payment services agreement
- Regulation of the Minister of Finance of 24 September 2014 on the minimum sum of bank and insurance guarantee required in connection with the provision of payment services by a payment services office and the deadline for the obligation to conclude a guarantee agreement
- Regulation of the Minister of Finance of September 25, 2013, on the method of calculating the amount referred to in Article 132m paragraph 2 point 2 letter b of the Payment Services Act
- Regulation of the Minister of Finance of August 13, 2012 on the categories of assets and the maximum portion of monetary funds invested by domestic payment institutions
- … +12
Amending Acts (37)
- Law of December 22, 2011, on amending certain laws related to the implementation of the budget law · 2011-12-30
- Law of October 10, 2012, on amending the law on credit unions · 2012-10-25
- Law of 5 November 2009 on credit unions · 2012-10-27
- Law of 12 July 2013 on amending the Law on Payment Services and certain other laws · 2013-10-07
- Law of August 30, 2013, on the amendment of the law on payment services · 2014-01-01
- Law of November 28, 2014, on amending the law on payment services · 2015-01-29
- Law of September 25, 2015, amending the Law on Payment Services · 2015-11-17
- Law of October 9, 2015 on amending the law on payment terms in commercial transactions, the Civil Code, and certain other laws · 2016-01-01
- Law of 25 September 2015 on amending the law on freedom of economic activity and certain other laws · 2016-05-19
- Law of 22 June 2016 amending the Law - Customs Law and certain other laws · 2016-08-20
- Law of November 30, 2016, amending the law on payment services and certain other laws · 2017-02-08
- Law of 11 May 2017 on statutory auditors, auditing firms and public oversight · 2017-06-21
- Law of 6 March 2018 - Provisions introducing the Law - Entrepreneurs' Law and other laws concerning economic activity · 2018-04-30
- Law of May 10, 2018 on the protection of personal data · 2018-05-25
- Law of 10 May 2018 amending the Law on payment services and certain other laws · 2018-06-20
- Law of 15 December 2017 on amending the law on value added tax and certain other laws · 2018-07-01
- Law of 1 March 2018 on counteracting money laundering and the financing of terrorism · 2018-07-13
- Law of March 22, 2018 on amending the Law on payment services and certain other laws · 2018-08-11
- Law of July 5, 2018, on the succession management of an individual's enterprise · 2018-11-25
- Law of November 9, 2018, on amending certain laws in connection with strengthening supervision over the financial market and protecting investors on this market · 2019-01-01
- Law of 21 February 2019 amending certain laws in connection with ensuring the application of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) · 2019-05-04
- Law of 31 July 2019 amending certain laws to reduce regulatory burdens · 2020-01-01
- Law of 17 September 2020 on amending the law on special solutions related to the prevention, counteraction and combating of COVID-19, other infectious diseases and crisis situations caused by them, and certain other laws · 2020-10-01
- Law of 21 January 2021 on amending the law on trading in financial instruments and certain other laws · 2021-03-13
- Law of 8 July 2021 on amending the Law on the Bank Guarantee Fund, the deposit guarantee scheme and resolution, and certain other laws · 2021-09-15
- Law of September 17, 2021, on amending the Act on payment services · 2021-11-05
- Law of October 1, 2021, amending the Law on trading in financial instruments and certain other laws · 2021-12-10
- Law of July 7, 2022, on crowdfunding for economic ventures and assistance to borrowers · 2022-07-29
- Act of December 1, 2022, on amending the Act on the handling of complaints by financial market entities and on the Financial Ombudsman, and on certain other acts · 2023-01-01
- Law of August 16, 2023, on amending certain laws in connection with ensuring the development of the financial market and the protection of investors in this market · 2023-09-29
- … +7
Amended Acts (14)
- Law of 27 July 2002 Foreign Exchange Law. · 2011-10-24
- Law of July 21, 2006, on financial market supervision. · 2011-10-24
- Law of July 2, 2004 on freedom of economic activity · 2011-10-24
- Law of 28 February 2003 Bankruptcy Law · 2011-10-24
- Law of 12 September 2002 on electronic payment instruments. · 2011-10-24
- Law of August 24, 2001, on final settlement in payment systems and securities settlement systems and on the supervision of these systems. · 2011-10-24
- Law of November 16, 2000, on Counteracting Money Laundering and Financing of Terrorism · 2011-10-24
- Law of October 13, 1998, on the social insurance system. · 2011-10-24
- Law of August 29, 1997 - Banking Law. · 2011-10-24
- Law of August 29, 1997 - Tax Ordinance. · 2011-10-24
- Law of December 14, 1995 on Credit Unions. · 2011-10-24
- Law of 29 September 1994 on accounting. · 2011-10-24
- Law of 2 March 2000 on the protection of certain consumer rights and on liability for damage caused by a dangerous product. · 2011-12-18
- Law of March 25, 2011 on the amendment of certain laws related to the functioning of the social insurance system · 2012-01-01
Information on Consolidated Text (10)
- Announcement by the Marshal of the Sejm of the Republic of Poland of December 7, 2023, on the promulgation of the consolidated text of the Act on payment services
- Announcement of the Marshal of the Sejm of the Republic of Poland of September 28, 2022, on the promulgation of the consolidated text of the law on payment services
- Announcement of the Marshal of the Sejm of the Republic of Poland of September 17, 2021, on the announcement of the consolidated text of the law on payment services
- Announcement of the Marshal of the Sejm of the Republic of Poland of March 26, 2020, on the promulgation of the consolidated text of the law on payment services
- Announcement by the Marshal of the Sejm of the Republic of Poland of February 22, 2019, on the promulgation of the consolidated text of the law on payment services
- Announcement of the Marshal of the Sejm of the Republic of Poland of September 28, 2017, on the promulgation of the consolidated text of the law on payment services
- Announcement of the Marshal of the Sejm of the Republic of Poland of 29 August 2016 on the promulgation of the consolidated text of the law on payment services
- Announcement of the Marshal of the Sejm of the Republic of Poland of April 17, 2026, concerning the announcement of the consolidated text of the Payment Services Law
- Announcement of the Marshal of the Sejm of the Republic of Poland of 2 April 2014 on the promulgation of the consolidated text of the Act on Payment Services
- Announcement of the Marshal of the Sejm of the Republic of Poland of April 24, 2025, on the promulgation of the consolidated text of the Payment Services Law
References (12)
- Law of June 14, 1960, Code of Administrative Procedure.
- Convention relating to a uniform law for bills of exchange and promissory notes.
- Law of August 25, 2006, on food and nutrition safety.
- Law of 15 September 2000 Commercial Companies Code.
- Law of August 29, 1997, on the protection of personal data.
- Law of 6 June 1997 - Penal Code
- Law of March 14, 1985, on the State Sanitary Inspectorate.
- Law of September 16, 1982 on Cooperative Law.
- Law of June 17, 1966, on enforcement proceedings in administration.
- Law of 23 April 1964 - Civil Code.
- Law of 17 November 1964 - Code of Civil Procedure.
- Convention relating to a uniform law for cheques.
Acts referring to this act
- Amending Acts: Law of March 25, 2011 on the amendment of certain laws related to the functioning of the social insurance system
- Amending Acts: Law of 2 March 2000 on the protection of certain consumer rights and on liability for damage caused by a dangerous product.
- Amending Acts: Law of 27 July 2002 Foreign Exchange Law.
- Amending Acts: Law of 12 September 2002 on electronic payment instruments.
- Amending Acts: Law of November 16, 2000, on Counteracting Money Laundering and Financing of Terrorism
- Amending Acts: Law of October 13, 1998, on the social insurance system.
- Amending Acts: Law of August 24, 2001, on final settlement in payment systems and securities settlement systems and on the supervision of these systems.
- Amending Acts: Law of 29 September 1994 on accounting.
- Amending Acts: Law of July 2, 2004 on freedom of economic activity
- Amending Acts: Law of August 29, 1997 - Banking Law.
- Amending Acts: Law of July 21, 2006, on financial market supervision.
- Amending Acts: Law of August 29, 1997 - Tax Ordinance.
- Amending Acts: Law of 28 February 2003 Bankruptcy Law
- Amending Acts: Law of December 14, 1995 on Credit Unions.
- Amended Acts: Law of 11 June 2026 amending certain laws in order to simplify administrative procedures in matters resolved by administrative decisions or handled tacitly
- Amended Acts: Law of January 23, 2026, on amending certain laws related to the functioning of the financial market and the protection of participants in this market
- Amended Acts: Law of June 25, 2025, amending certain laws in connection with ensuring the operational digital resilience of the financial sector and the issuance of European green bonds
- Amended Acts: Law of April 26, 2024, on ensuring that certain products and services meet accessibility requirements by economic entities
- Amended Acts: Law of December 20, 2024, on entities servicing loans and loan purchasers
- Amended Acts: Law of July 12, 2024 - Provisions introducing the law - Electronic Communications Law
- Amended Acts: Law of July 7, 2023, on amending certain laws to limit certain effects of identity theft
- Amended Acts: Law of August 16, 2023, on amending certain laws in connection with ensuring the development of the financial market and the protection of investors in this market
- Amended Acts: Act of December 1, 2022, on amending the Act on the handling of complaints by financial market entities and on the Financial Ombudsman, and on certain other acts
- Amended Acts: Law of July 7, 2022, on crowdfunding for economic ventures and assistance to borrowers
- Amended Acts: Law of October 1, 2021, amending the Law on trading in financial instruments and certain other laws
- Amended Acts: Law of September 17, 2021, on amending the Act on payment services
- Amended Acts: Law of 8 July 2021 on amending the Law on the Bank Guarantee Fund, the deposit guarantee scheme and resolution, and certain other laws
- Amended Acts: Law of 21 January 2021 on amending the law on trading in financial instruments and certain other laws
- Amended Acts: Law of 17 September 2020 on amending the law on special solutions related to the prevention, counteraction and combating of COVID-19, other infectious diseases and crisis situations caused by them, and certain other laws
- Amended Acts: Law of 31 July 2019 amending certain laws to reduce regulatory burdens
- Amended Acts: Law of 21 February 2019 amending certain laws in connection with ensuring the application of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation)
- Amended Acts: Law of November 9, 2018, on amending certain laws in connection with strengthening supervision over the financial market and protecting investors on this market
- Amended Acts: Law of July 5, 2018, on the succession management of an individual's enterprise
- Amended Acts: Law of March 22, 2018 on amending the Law on payment services and certain other laws
- Amended Acts: Law of 1 March 2018 on counteracting money laundering and the financing of terrorism
- Amended Acts: Law of 15 December 2017 on amending the law on value added tax and certain other laws
- Amended Acts: Law of 10 May 2018 amending the Law on payment services and certain other laws
- Amended Acts: Law of May 10, 2018 on the protection of personal data
- Amended Acts: Law of 6 March 2018 - Provisions introducing the Law - Entrepreneurs' Law and other laws concerning economic activity
- Amended Acts: Law of 11 May 2017 on statutory auditors, auditing firms and public oversight
- Amended Acts: Law of November 30, 2016, amending the law on payment services and certain other laws
- Amended Acts: Law of 22 June 2016 amending the Law - Customs Law and certain other laws
- Amended Acts: Law of 25 September 2015 on amending the law on freedom of economic activity and certain other laws
- Amended Acts: Law of October 9, 2015 on amending the law on payment terms in commercial transactions, the Civil Code, and certain other laws
- Amended Acts: Law of September 25, 2015, amending the Law on Payment Services
- Amended Acts: Law of November 28, 2014, on amending the law on payment services
- Amended Acts: Law of August 30, 2013, on the amendment of the law on payment services
- Amended Acts: Law of 12 July 2013 on amending the Law on Payment Services and certain other laws
- Amended Acts: Law of 5 November 2009 on credit unions
- Amended Acts: Law of October 10, 2012, on amending the law on credit unions